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Top 10 Best Prestigious High-End Credit & Debit Cards

Credit & Debit Card News, Reviews & Resources (35) Top 10 Prestigious Credit & Debit Cards

A CREDIT CARD is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services based on the holder's promise to pay for them. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.

A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

The size of most credit cards is 3⅜ × 2⅛ in (85.60 × 53.98 mm), conforming to the ISO/IEC 7810 ID-1 standard. Credit cards have a printed or embossed bank card number complying with the ISO/IEC 7812 numbering standard. Both of these standards are maintained and further developed by ISO/IEC JTC 1/SC 17/WG 1. Before magnetic stripe readers came into widespread use, plastic credit cards issued by many department stores were produced on stock ("Princess" or "CR-50") slightly longer and narrower than 7810.

A DEBIT CARD (also known as a bank card or check card) is a plastic payment card that provides the cardholder electronic access to his or her bank account(s) at a financial institution. Some cards may bear a stored value with which a payment is made, while most relay a message to the cardholder's bank to withdraw funds from a payer's designated bank account. The card, where accepted, can be used instead of cash when making purchases. In some cases, the primary account number is assigned exclusively for use on the Internet and there is no physical card.

In many countries, the use of debit cards has become so widespread that their volume has overtaken or entirely replaced cheques and, in some instances, cash transactions. The development of debit cards, unlike credit cards and charge cards, has generally been country specific resulting in a number of different systems around the world, which were often incompatible. Since the mid-2000s, a number of initiatives have allowed debit cards issued in one country to be used in other countries and allowed their use for internet and phone purchases.

Unlike credit and charge cards, payments using a debit card are immediately transferred from the cardholder's designated bank account, instead of them paying the money back at a later date.

Debit cards usually also allow for instant withdrawal of cash, acting as the ATM card for withdrawing cash. Merchants may also offer cashback facilities to customers, where a customer can withdraw cash along with their purchase.

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    Credit & Debit Card News, Reviews & Resources
  • Black Card - "The new Visa Black Card - made of stainless steel - is the ultimate buying tool. Cardmembers enjoy an industry-leading rewards program where points have double the value of American Express Platinum when redeemed for airfare. Members also receive VIP treatment at over 3,000 hotels, resorts and villas around the world as well as unlimited access to hundreds of airport lounges."
  • CENTURION CARD | BLACK AMEX CARD - invitation only charge card issued by American Express to platinum card holders after they meet certain criteria.
  • COUTTS silk charge card - "A charge card with a high monthly spending limit, Silk opens doors to a world of privileges and benefits. Silk can be tailored to your lifestyle, offering the ability to order additional cards with tailored spending limits and varying benefits."
  • CREDITCARDS.COM - "Compare Credit Card Offers." Search - Compare - Apply for the credit card of your choice by filling out a secure online application.
  • Palladium Card - Visa Signature hybrid charge and credit (revolving) card, composed of a trace amount of palladium bullion (as of Jan 18, 2012-2, worth US$730.22) issued by J.P. Morgan Bank. The card was designed exclusively for ultra-high net worth clients of J.P. Morgan Investment Services with holdings in excess of US$25m in liquid assets.
  • Platinum Card - from American Express. "Unique Experiences. Exceptional Services & Rewards." Earn 60,000 Membership Rewards Points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Swiss Bankers Travel Cash Card.
  • Swiss Bankers Travel Cash Card - no-name prepaid MasterCard is available to everyone; not tied to a bank account; no credit check; no forms to fill out; the card can only be charged when funds have been loaded n euros, US dollars and Swiss francs; safe and affordable withdrawals of funds at over 2 million ATMs worldwide; accepted by more than 33 million merchant locations and online shops worldwide; no annual fee.
  • VISA PAYWAVE - "Visa payWave is a secure, faster, easier way to pay for everyday purchases."
The Card

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